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Pencil Bluff CDP, AR

ZIP 71965 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 71965

Median Home Value
$127,900
Median Rent
N/A
Affordability Snapshot
$35,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$822/mo PITI).

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

To comfortably buy a median-priced home in ZIP 71965 in Pencil Bluff CDP, AR, a household would need roughly $35,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $822. That sits below the local median household income ($45,556), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 32% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
66.7%+2% vs US avg
x
Vacancy Rate
32.0%+211% vs US avg
x
Broadband Access
86.3%-1% vs US avg
x
4+ Bedrooms
3.3%-78% vs US avg
x
Built Pre-1939
3.3%-74% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
70.6%+42% vs US avg
x
Mortgage-Free
85.3%+123% vs US avg
x
$127,900
Home Value
N/A
Rent
1988
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached68.0%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other32.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$127,900
Median rent$-666,666,666
Owner-occupied66.7%
Vacant32.0%
Price-to-income2.8x
Est. income to buy$35,000